Insurers price homes based on the risks they face, and some reward steps that reduce those risks. What counts depends on where you live. In storm-prone areas, that might mean impact-resistant roofing, storm shutters or reinforced garage doors. Elsewhere, it might mean clearing brush around the house or adding leak detection.

Water damage is one of the most common reasons homeowners file claims, so water leak sensors and automatic shutoff valves are worth asking about almost anywhere. Some insurers offer discounts for them or even help pay for the devices. Monitored fire and burglar alarms can also earn credit with many companies.

Before you spend money, call your insurer and ask exactly which improvements qualify and what documentation it needs. Some discounts depend on a professional inspection or specific product standards, and the rules can differ by state. Even when an upgrade does not lower your premium much, it can reduce the chances of a damaging and stressful claim, which is a win of its own.